Net Income Analysis ( % relative to Total Revenue )
Income Statement Sawyer Savings Bank All Insured Savings Banks in New York
Interest and Fees on Loans 6,117 39,050
Income from Lease Financing Receivables — 0
2 4
Estimated Tax Benefit from Tax-Exempt Loan Income 1 1
Income on Loans and Leases (TE) 6,118 39,115
Investment Interest Income (TE) 2,349 3,855
Total Interest Income (TE) 8,537 43,781
Total Interest Expense 1,735 7,561
Net Interest Income (TE) 6,802 36,228
Non-Interest Income 481 6,784
Adjusted Operating Income (TE) 7,283 43,792
Non-interest Expense 6,339 29,042
Provision for Loan & Lease Losses — 563
Pretax Operating Income (TE) 944 13,959
Pretax Net Operating Income (TE) 1,189 14,008
Applicable Income Taxes -42 5,088
Net Operating Income 785 8,538
Net Income 785 8,523
Cash Dividends Declared — 1,972
Retained Earnings 785 5,990